Legal Question in Credit and Debt Law in Illinois

arbitration case summons

I couldn't make payments on a $12,000 credit card balance because of a long ilness. A law firm representing the credit card company has filed suit and served me. I'm now in a position to make payments again.

Should I contact the law firm and try to set up a payment schedule? If they agree to a payment schedule, will I still have to go to court? Should I give them my place of employment and phone number there if they ask? Or should I be afraid that they might not agree to a payment schedule and then use that information to help them get a garnishment or to harrass me at work?

If they won't agree to let me make payments, do you think when I go to court that the Judge will tell them that they should let me make payments?

Should I talk to an attorney before I reach out to the law firm representing the credit card company?


Asked on 7/17/07, 12:45 am

1 Answer from Attorneys
Terrance Leeders Leeders Law

Re: arbitration case summons

The creditor will get a judgment against you, subject to any payment plan they may be willing to work out with you. It would depend on the lender on whether they would want to garnish your wages. A bankruptcy case could help you out, eliminate the debt and get you a fresh start. If you are considering this, or wish further info about it, please contact me. Thanks

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Answered on 7/17/07, 10:47 am


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